Mortgage Portability 2026: Transfer Your 3% Rate to New House | Trump Admin Proposal
Robert Martinez
Mortgage Policy Analyst | 14+ Years Experience
NMLS #892341 | Policy Expert & Rate Strategist
BREAKING 2026: Mortgage portability could let you transfer your low rate to a new home! Learn how portable mortgages work, Trump administration proposal, requirements, benefits, and if you can keep your 3% rate when moving houses.
🔥 BREAKING: Check If Portable Mortgages Are Available
Trump admin is evaluating portable mortgages! See if you can transfer your rate and compare lenders offering this option.
Check Portable Mortgage Options →What is Mortgage Portability?
📋 Mortgage Portability Definition:
Mortgage portability (or portable mortgage) allows you to transfer your existing mortgage—including your current interest rate—from your old home to a new property when you move. Instead of paying off your mortgage and getting a new one at current rates, you "port" your loan to the new house.
Example:
• Current home: $400K mortgage at 3.25%
• New home: $500K purchase price
• With portability: Keep $400K at 3.25%, get $100K at current rate (6.75%)
• Blended rate: ~4.0% (vs 6.75% for new mortgage)
• Monthly savings: $600+/month!
Interested in portable mortgages? Get matched with lenders who may offer this option and see if you qualify.
🔥 Trump Administration Proposal (2026)
BREAKING NEWS:
In January 2026, FHFA Director Bill Pulte announced the Trump administration is "actively evaluating" portable mortgages for Fannie Mae and Freddie Mac loans. This could unlock mortgage portability for millions of American homeowners!
Why This Matters:
- • Lock-in effect: 90% of mortgages have rates under 6%, making people afraid to move
- • Housing shortage: People staying in homes they've outgrown
- • Mobility crisis: Can't relocate for jobs without losing low rate
- • Solution: Portable mortgages let you keep your rate when moving
Want to stay updated on portable mortgages? Compare lenders and get notified when portable mortgages become available.
💡 Get Notified When Portable Mortgages Launch
Be first to know when portable mortgages become available. Get matched with lenders offering this option.
Get Notified About Portable Mortgages →How Mortgage Portability Works
You Decide to Move
You have a mortgage at 3.25% but need to move (bigger house, job relocation, etc.). Current rates are 6.75%.
Without portability: Pay off old mortgage, get new one at 6.75%
With portability: Transfer your 3.25% rate to new home
Apply for Portability
Contact your lender and apply to port your mortgage to the new property. Lender reviews new home and your finances.
Requirements: Good payment history, new home qualifies, pass credit check, meet LTV limits
Transfer or Blend Your Mortgage
If new home costs same or less: Transfer full mortgage at 3.25%. If new home costs more: Port $400K at 3.25%, get additional $100K at 6.75% (blended rate ~4.0%).
✅ Result:
You keep your low rate and save $600+/month vs getting new mortgage at current rates!
Ready to explore portable mortgages? Compare lenders and see if you can transfer your rate to a new home.
🎯 Calculate Your Portable Mortgage Savings
See how much you'd save by porting your rate vs getting new mortgage. Free calculator + lender comparison.
Calculate My Savings →Benefits of Portable Mortgages
Benefit #1: Keep Your Low Interest Rate
Biggest advantage: Transfer your 3-4% rate to new home instead of getting 6-7% mortgage.
Savings Example:
• $400K mortgage at 3.25%: $1,741/month
• $400K mortgage at 6.75%: $2,594/month
• Monthly savings: $853
• 30-year savings: $307,080!
Benefit #2: Avoid Refinancing Costs
No need to refinance and pay $5K-10K in closing costs. Portability fee is typically $500-1,500.
Benefit #3: Increase Housing Mobility
Move for job, family, or lifestyle without losing your low rate. Solves the "lock-in effect" keeping people stuck.
Benefit #4: Faster Approval Process
Porting existing mortgage is faster than applying for new one. Lender already knows your payment history.
Benefit #5: Blend Rates for Larger Homes
If new home costs more, blend your low rate with current rate for better overall rate than new mortgage.
Port $400K at 3.25% + $100K at 6.75% = Blended rate ~4.0% (vs 6.75% new mortgage)
Want to benefit from portable mortgages? Get matched with lenders who may offer this option when it becomes available.
💰 See How Much You'd Save with Portable Mortgage
Calculate your potential savings by porting your rate vs getting new mortgage. Free analysis.
Calculate My Portable Mortgage Savings →Portable Mortgage Requirements (Expected)
⚠️ Note:
Portable mortgages are not yet available in the US (as of January 2026). These are expected requirements based on Trump admin proposal and how portability works in Canada/UK.
Requirement #1: Good Payment History
Must have made on-time payments for past 12-24 months. No late payments or defaults.
Requirement #2: New Home Must Qualify
New property must meet lender standards (appraisal, inspection, title). Similar to regular mortgage approval.
Requirement #3: Pass Credit Check
Lender re-verifies credit, income, employment. Must still qualify for mortgage amount.
Requirement #4: LTV Limits
If new home costs more, may need down payment to keep LTV under 80%. Can't over-leverage.
Requirement #5: Timing Restrictions
May need to port within specific timeframe (e.g., 90-120 days). Can't wait years between homes.
Want to know if you'd qualify? Get pre-approved and be ready when portable mortgages launch.
Frequently Asked Questions
Have questions about portable mortgages? Connect with a mortgage expert who can explain how portability will work.
🔥 Get Ready for Portable Mortgages
Be first to know when portable mortgages launch. Get matched with lenders and stay updated on this game-changing option!
Get Notified About Portable Mortgages →Free updates • Expert guidance • Compare lenders • Be ready to port your rate